Privacy Policy

1. Introduction

Integrato Financial Services Private Limited ("Integrato", "we", "our", or "us") is committed to protecting the privacy and confidentiality of personal information entrusted to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website integrato.in, use our financial advisory services, or interact with us in any capacity.

We operate in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and applicable guidelines issued by SEBI, AMFI, and IRDAI.

2. Information We Collect

2.1 Information You Provide Directly

• Full name, email address, and phone number (via contact forms and booking)
• Financial information including income, assets, liabilities, and investment goals (for advisory services)
• PAN, Aadhaar, bank account details, and KYC documents (as required by SEBI/AMFI/IRDAI regulations for account opening)
• Risk profile and investment preferences gathered through our questionnaires
• Communication history including emails, WhatsApp messages, and consultation notes

2.2 Information Collected Automatically

• Browser type, operating system, IP address, and device information
• Pages visited, time spent on pages, and navigation patterns
• Referral URLs and search terms used to find our website
• Cookies and similar tracking technologies (see Section 7)

2.3 Information from Third Parties

• KYC information from Central KYC Registry (CKYC) as mandated by regulators
• Credit bureau information (with your explicit consent) for financial planning purposes
• Transaction data from registered platforms such as FundzBazar for mutual fund investments

3. How We Use Your Information

We use the information we collect for the following purposes:

• Providing financial advisory services — to understand your financial situation, risk appetite, and goals in order to recommend suitable products
• Regulatory compliance — to fulfil KYC/AML obligations under SEBI, AMFI, IRDAI, and PMLA requirements
• Communication — to respond to enquiries, send appointment confirmations, share portfolio reports, and provide market insights
• Account management — to facilitate investment account opening through our registered platforms
• Marketing (with consent) — to send newsletters, market updates, and financial education content. You may unsubscribe at any time.
• Website improvement — to analyse usage patterns and enhance user experience
• Legal obligations — to comply with court orders, regulatory requests, or legal proceedings

4. Disclosure of Your Information

We may share your information with the following parties, strictly on a need-to-know basis:

• Mutual fund houses and AMCs — for processing investment transactions as an AMFI Registered Mutual Fund Distributor
• Insurance companies — for policy issuance and servicing as an IRDAI licensed advisor
• Stockbrokers and depositories — for equity broking services
• FundzBazar — our registered online investment platform partner
• Regulatory authorities — SEBI, AMFI, IRDAI, Income Tax Department, and law enforcement agencies when required by law
• Professional advisors — auditors, lawyers, or compliance consultants under confidentiality obligations

We do not share your data with unauthorised third parties, data brokers, or for advertising purposes.

5. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption for all data transmitted through our website
• Access controls limiting data access to authorised personnel only
• Secure storage of physical documents with restricted access
• Regular review of our information collection, storage, and processing practices

While we implement stringent security measures, no method of transmission over the internet is 100% secure. In the unlikely event of a data breach that may affect your rights, we will notify you as required by applicable law.

6. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, including for compliance with legal, regulatory, accounting, or reporting requirements. Specifically:

• KYC and investment-related records: as required by SEBI/AMFI/IRDAI (typically 5–8 years post relationship)
• Insurance policy records: for the duration of the policy plus applicable statutory period
• General enquiry records: up to 2 years from last contact
• Website usage data: up to 24 months

7. Cookies

Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device. We use:

• Essential cookies — required for the website to function properly
• Analytics cookies — to understand how visitors use our site (using anonymised data)
• Preference cookies — to remember your settings and preferences

You can control cookie settings through your browser. However, disabling certain cookies may affect website functionality. We do not use third-party advertising cookies.

8. Your Rights

Subject to applicable Indian laws and regulatory requirements, you have the following rights regarding your personal information:

• Right to access — request a copy of the personal data we hold about you
• Right to correction — request correction of inaccurate or incomplete data
• Right to withdraw consent — for marketing communications, withdraw consent at any time
• Right to deletion — request deletion of data no longer required (subject to legal/regulatory retention obligations)

To exercise any of these rights, please contact us at hello@integrato.in. We will respond within 30 days.

9. Third-Party Links

Our website contains links to third-party websites including FundzBazar, NISM, AMFI, and others. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party site you visit.

10. Children's Privacy

Our services are intended for adults aged 18 and above. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately and we will take steps to delete such information.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. Any material changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this Policy periodically. Your continued use of our services after changes constitutes acceptance of the updated Policy.

12. Grievance Officer

In accordance with the IT Act, 2000 and applicable rules, the name and contact details of our Grievance Officer are: